Credit union · NCUA insured
Duke Credit Union Auto Loan Rates
Top CarrotDuke Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Duke Credit Union’s auto loan rates compare
Compared with banks and credit unions near Greenville, SC, where Duke Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Duke Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- 15.00% APR
- Discount
- Included in the rate
Autos/Trucks New/Used 8 Years Old or Newer
Lowest rate
South Carolina State Credit Union
3.95%APR
- Terms
- up to 96 months
- Up to
- 15.49% APR
- Discount
- None included
2nd-lowest rate
Greenville Heritage Federal Credit Union
3.99%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Duke Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Duke Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Autos/Trucks New/Used 8 Years Old or Newer
Autos/trucks 8 years old or newer. Rates subject to creditworthiness and member qualification. All rates include 0.25% discount for automatic payments or payroll deduction. Finance up to NADA or MSRP value. Terms up to 84 months. Financing for vehicles over 8 years old available by contacting credit union directly.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.50%–15.00% | Available on auto loans for 60 months or less. Auto must be 8 years old or newer. Rate includes 0.25% discount for automatic payments or payroll deduction. Subject to creditworthiness and member qualification. |
| up to 84 months | 9.50%–18.00% | Rate includes 0.25% discount for automatic payments or payroll deduction. Subject to creditworthiness and member qualification. Terms up to 84 months. |
Who can join Duke Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Duke affiliated organizations (e.g., Duke Soccer, Duke Swimming) are eligible to join.
Military, government and schools
- Employees of Duke University and Duke University Health System who are paid by Duke University and paid in North Carolina are eligible to join.
- Retirees of Duke University and Duke University Health System are eligible to join.
- Students and alumni of Duke University are eligible to join.
Family and household
- Immediate family members (including spouses, children, siblings, in-laws, parents, aunts/uncles, grandparents/grandchildren/great-grandparents, step/adoptive relations, and surviving spouses) sponsored by an eligible member are eligible to join.
Cost to join
- Membership requires a minimum share deposit of $30.
Membership information collected October 4, 2026.